Open an AccountMinimum to open is $25.Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$0.00 - $99.99

0.00%

$100 - $999.99

0.05%

$1,000 - $1,999.99

0.05%

$2,000 - $4,999.99

0.10%

$5,000 and above

0.15%

Consumer Dividend Checking

Effective Date: March 3, 2015

Open an AccountMinimum to open is $100. Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$0.00 - $2,499.99

0.00%

$2,500 - $24,999.99

0.03%

$25,000 and above

0.08%

Money Market

Effective Date: March 3, 2015

Open an AccountMinimum to open is $2,500. Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$0.00 - $24,999.99

0.15%

$25,000 - $99,999.99

0.25%

$100,000 and above

0.30%

Holiday Club

Effective Date: March 3, 2015

Open an AccountMinimum to open is $10. Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$0.01 and above

0.05%

Club Rocky Savings

Effective Date: March 3, 2015

Minimum to open is $25. Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$0.00 - $99.99

0.00%

$100 - $999.99

0.05%

$1,000 - $1,999.99

0.05%

$2,000 - $4,999.99

0.10%

$5,000 and above

0.15%

IRA (Traditional or Roth)

Effective Date: March 3, 2015

Dividend paid when average daily balance for the month is:

Avg. Daily Bal

APY*

$100 and above

0.35%

*APY=Annual Percentage Yields. Certificates subject to early withdrawal fee. $1,000 minimum deposit for IRA Certificate. Programs and rates are subject to change daily without notice. Terms and conditions available at a branch. Early withdrawal fees apply. IRA Certificates not available for business accounts. **Fees may reduce earnings. †IRA (Traditional or Roth) not available for this term.